From India, Aizawl
Earlier, the EPF forms were first sent to employer for their verification and signatures, which used to take a lot of time and many a times employers used to harass employees because they had the power to block the EPF withdrawal. However with these new changes, withdrawing from your EPF account is going to be very easy and fast and now it makes a lot sense, because EPF should not be linked to employer anyways. Few months back, with the concept of UAN, the EPFO had anyways delinked the EPFO from the employer to some extent, and this move looks like an extension to that.
EPFO has issued 3 new forms which will be used for as follows
Form 19 UAN You can fill this form to withdraw from your EPF at the time of retirement or leaving the job. Taking our money from the EPF is allowed only if you are unemployed for 2 months. So in case you just change a job and join a new company within 60 days, you can not offically withdraw from EPF, You need to apply for EPF transfer in that case
Form 10-C UAN You can fill up this form in order to withdraw from your EPS amount. EPS account is a seperate account linked to your EPF which is for the purpose of pension. Note that one is allowed to withdraw from EPS only if your EPF is not more than 10 yrs old.
Form 31 UAN This form can be submitted if you want to partially withdraw from Employee providend fund (EPF) account for the purpose like marriage, house buying or medical emergency. There are different rules for different situations.
Let me help you with the steps of EPF withdrawal now. For the sake of explanation, we will consider the case of Form 19 UAN, which is used to withdraw the EPF money once you leave the job or are retired. The same process is used for the other forms as well.
Step 1 Make sure your UAN is active and KYC details are verified
These new forms can be used only by those whose UAN is active and all the KYC details are verified by employee as explained above.Hence, the first step is to verify your eligibility. login with your login and password and then go to Profile->Update KYC Information, where you can either update the details or check them. It looks something like the below example (thanks to my close friend who has passed his details to me for creating this snapshot)
In case, you have more than two UAN allotted to you, then you should discard one of them and should be using the latest one provided to you by the current employer.
Step 2 Fill up the EPF Withdrawal form and send along with cancelled cheque
Once you have verified that all the details are fine. You can then fill up the form. Below you can see form 19 UAN as an example. One has to provide the Mobile number, UAN number, date of leaving, the reason for leaving the service,PAN & full postal address.
Note that apart from this form, you also have to attach the cancelled cheque of the bank account which is mentioned in the UAN KYC details.
Step 3 Send the form to the EPF jurisdiction office
Finally, the last step is to submit this form, along with the cancelled cheque to the EPF office which comes under your jurisdiction. The simple way to find the exact address of the regional. enter your state and district of the office where you work/worked. You will get the full address. You can then courier the documents to that address.
The above 3 steps will help you to withdraw from EPF money easily. If you want to withdraw your complete EPF amount, then you need to fill up form 19 UAN and form 10-C and send both of them.
From India, Guwahati